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Stamp Duty Calculator

Understanding Stamp Duty Land Tax (SDLT) is an essential part of planning your property purchase. Whether you’re a first-time buyer, an investor, or a non-UK resident, our Stamp Duty Calculator provides accurate calculations based on the latest rules, including changes applicable after April 2025.

Stamp Duty Calculator

Use the calculator below to input your property details and instantly see your SDLT obligations, including non-UK resident surcharges.

Stamp Duty Calculator

Stamp Duty Calculator

Stamp Duty: £0

What Does the Stamp Duty Calculator Cover?

Our calculator provides a detailed breakdown of SDLT based on:

  • Purchase Price: The total price of the property.
  • Buyer Type: First-time buyer, home mover, or additional property buyer.
  • Non-UK Residency: Includes surcharges applicable for non-UK residents.
  • Timing: Calculates SDLT for purchases pre-April 2025 and post-April 2025.

Key Updates for Non-UK Residents

  • Pre-April 2025 Rules: Non-UK residents purchasing residential properties pay an additional 2% surcharge on SDLT.
  • Post-April 2025 Rules: Changes include revised thresholds or surcharges for non-UK residents, ensuring SDLT reflects updated market conditions.

How Is Stamp Duty Calculated?


Stamp Duty Land Tax (SDLT) is calculated in bands, with different rates applied to portions of the property price. Here's an accurate breakdown for residential properties:

Residential Properties

  • Until 31 March 2025:
  • 0%: Up to £250,000
  • 5%: £250,001 to £925,000
  • 10%: £925,001 to £1.5 million
  • 12%: Over £1.5 million
  • From 1 April 2025:
  • 0%: Up to £125,000
  • 5%: £250,001 to £925,000
  • 10%: £925,001 to £1.5 million
  • 12%: Over £1.5 million

First-Time Buyers

  • Until 31 March 2025:
  • 0%: Up to £425,000 for properties priced up to £625,000
  • 5%: £425,001 to £625,000
  • No relief for properties over £625,000
  • From 1 April 2025:
  • 0%: Up to £300,000 for properties priced up to £500,000
  • 5%: £300,001 to £500,000
  • No relief for properties over £500,000
  • Additional Properties
  • The surcharge for second homes or buy-to-let properties has increased to 5% from 31 October 2024. This applies on top of standard SDLT rates.
  • Non-UK Residents
  • Purchases by non-UK residents incur an extra 2% surcharge on top of standard rates.

How to Use the Calculator

  • 1. Enter the Property Price: Provide the purchase price of the property.
  • 2. Select Buyer Type: Choose if you’re a first-time buyer, home mover, or additional property buyer.
  • 3. Non-UK Resident Status: Indicate if you’re a non-UK resident to include the surcharge.
  • 4. Set Timing: Specify whether the purchase is pre-April 2025 or post-April 2025 to ensure accurate calculations.
  • The calculator will display:
  • Stamp Duty Payable: The total SDLT amount based on your inputs.
  • Breakdown by Band: A detailed explanation of how your SDLT is distributed across the applicable bands.

Example Scenarios

  • 1: First-Time Buyer
  • Purchase Price: £300,000
  • 0% SDLT on the first £425,000 (first-time buyer relief).
  • Total SDLT Payable: £0
  • 2: Additional Property Buyer
  • Purchase Price: £400,000
  • 0% SDLT on the first £250,000.
  • 5% SDLT on £150,000 = £7,500.
  • 5% Surcharge on £400,000 = £20,000.
  • Total SDLT Payable: £27,500
  • 3: Non-UK Resident Buyer (Pre-April 2025)
  • Purchase Price: £500,000
  • 2% Surcharge on £500,000 = £10,000.
  • Standard SDLT: £15,000.
  • Total SDLT Payable: £25,000

Why Use a Stamp Duty Calculator?

  • 1. Plan Your Finances: Understand the exact SDLT you’ll pay before committing to a property purchase.
  • 2. Save Time: Avoid the complexity of manual calculations and get accurate results instantly.
  • 3. Stay Updated: The calculator is regularly updated to reflect changes in SDLT rules, including post-April 2025 adjustments.
Disclaimer
Auction Finance provides mortgage advice only and is not authorised to offer tax advice. Please consult a qualified tax advisor for guidance specific to your SDLT liability.

Frequently Asked Questions

Q 1. Does the calculator include non-UK resident surcharges?

Yes, it calculates the 2% surcharge for pre-2025 purchases and anticipates post-2025 updates

This calculator is designed for residential properties. For commercial SDLT, consult a tax expert.

SDLT must be paid within 14 days of completing the property transaction.

Shared ownership purchases may have unique SDLT rules. Consult your solicitor for specific guidance.

Yes, the calculator applies first-time buyer relief where eligible.

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